FAQs
PAY AARAM SE is a checkout finance product with a mission to provide EMI and BNPL options on online and offline purchase made on mom-and-pop stores and tier 2, tier 3 and tier 4 cities and semi urban areas of India. With PAY AARAM SE, we aim to solve for both retailers as well end consumer. Retailers get to list their shops on app hence increasing digital discovery, at the same time their end consumer can opt for EMI purchase using PayAraamSe feature on app, resulting in higher conversion and average order value for retailer and ease of purchase for end consumer. PayAaramSe have several additional payment modes like debit/credit cards, UPI. PayAaramSe offers to finance the product of you daily needs of price as low as Rs. 5000 and provides easy pay back options like Buy Now, Pay Later or Easy EMI Options.
All you need to avail our easy EMI Option or BNPL is Aadhar Card, PAN Card. Register with us on the PayAaramSe app or website and get your limit within 2-3 minutes.
Buy Now, Pay Later (BNPL) is a financial service that allows consumers to purchase goods or services immediately and pay for them over time, typically in installments. This option is available on our app and website and the limit can be availed easily through an easy paperless process. You can also convert the BNPL into Easy EMI options, at your convenience.
We provide flexible EMI plans from 3 to 12 months. You can select from the available plans at the checkout according to your convenience, with no hidden charges and a minimal processing charge.
PayAaramSe not only provide easy EMI options but also Buy Now, Pay Later to buy from us instantly. You can also avail this amazing service on all the store that are on-boarded with us. You can instantly get your purchase financed, priced as low as Rs. 5000, with no hidden charges.
The process of verification for availing the EMI option or BNPL is very effective and fast. It takes just minutes to get the limit, once online, paperless verification process is completed.
PayAaramSe offers a wide variety of products to choose from. Categories ranges from electronics to furniture to items of daily needs. You can purchase either online or offline from the vendors on-boarded with us, which our app/website shows according to your preferred location.
Charges are displayed when you choose a EMI plan. There are no hidden charges associated with PayAaramSe. Delivering transparent and fair financing option is one of our founding principles.
NACH or National Automated Clearing House, is a mandate from you, permitting your bank to make regular monthly payment from your behalf. Once setup, it is an easy and automatic way to repay the loans.
As a part of your EMI application, we ask you for bank details which we use to create your NACH mandate. By virtue of the NACH mandate, your bank will auto-debit your EMI and remit the same to us.
We will communicate through email or SMS, to remind you to maintain sufficient balance in your bank accounts, before payment due date.
The Order once placed and approved is packed and shipped by the Merchant itself, after you have provided with all the necessary documents, KYC is done and your profile is approved through our underwriting process.
We have developed a secure and reliable ML model based on over 200 data points that are not limited to your credit history. This enables us to assess your credit application within minutes and offer you fairly priced EMI options, based on the information provided by you. The more details you provide in the form, better our offerings will get.
Yes. It is a mandatory step for verification and eligibility check that we perform on behalf of our Financing Partners.
